Peshawar Diocese - Church of Pakistan
 
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Development & Relief

Micro Credit Scheme:

Diocese of Peshawar through Development and Relief Office took up the challenge for poverty alleviation by empowering the poor through self-employment.

The primary focus is to support the initiatives of poor and vulnerable Christian community to establish small enterprises to enhance their livelihood sources.

Hence, in view of Diocesan responsibility, the Development and Relief office, in addition to other projects has set up a small ‘MICO CREDIT SCHEME’. This is to eliminate poverty, improve the livelihood opportunities and raise the living standard of the marginalized Christian community that lies at the bottom of the society both economically and socially.

Project objectives:

  • To provide loan to the Christian community’s businessmen/women to extend their businesses.
  • Enable the target group to employ Christian men and women.
  • To provide financial assistance to the successful apprentices of the Peshawar Diocese’s Apprentice Scheme
  • To provide financial assistance to the successful trainees from the Diocesan Sewing Centers.

Project Achievements:

The Beneficiaries will have achieved:

  • To live in a better living conditions.
  • Have confidence and lead a dignified life.
  • To live healthy life devoid of diseases.
  • A better socio-economic and political status in the community.

Diocese of Peshawar, Church of Pakistan has 30 parishes spread all over it’s Pastoral care area. Each parish is administered by a Parish Committee comprising of 8 to 12 members from the congregation and is headed by a Diocesan Priest.  The Parish Committee is responsible for the well being of the members of the congregation and the day to day affairs of the Church.

The Diocesan Development and Relief management after consulting the Senior management of the Diocese of Peshawar delegated the responsibility of the Micro Credit Scheme to the 30 Parishes of the Diocese of Peshawar. The purpose is to involve more local members of the community for:

  • Greater transparency of the project
  • More influence on the local creditors
  • Sense of ownership of the project

Selection of deserving candidates:

  • The local Church invites applications.
  • The parish committee reviews the applicants and verifies the deserving applicant.
  • The Micro Credit officer of the Development and Relief rechecks the approved application.
  • The local Parish committee signs a legal contract with the approved creditor.
  • The local Church provides the loan to the creditor in the required material form.

Guarantors (Legal Security):
 
Each creditor has to provide two guarantors. The guarantors will be people of good reputation in the community. Both the creditor and the guarantor have to sign a legally binding document.

Repayments:

The Development office through the local Church committee envisages that loans should be repaid over thirty-six (36) months. From the very beginning the importance of timely repayment is stressed, which is also emphasized in the legal agreement.

Monitoring:

The project is monitored by:

  • The members of the local parish committee who initially approved the applicant.
  • The Development and Relief micro credit officer visits the creditor on regular basis to confirm the re-payments are made as per agreement.
  • The Assistant Director Evaluation also monitors the project development, suggest ways to improve the quality of services and prepare narrative reports.
  • The Assistant Director Finance keeps track of the financial aspects of the project.
The Secretary Development and Relief keeps a vigilant eye on the over all progress of the project.

 

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